Home > Legacy Bank > Performance and Condition Ratios
Legacy Bank, Performance and Condition Ratios
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5802% | 1,976 |
| Cost of funding earning assets | 2.1273% | 388 |
| Net interest margin | 3.4529% | 5,419 |
| Noninterest income to average assets | 0.4422% | 4,579 |
| Noninterest expense to average assets | 4.2310% | 873 |
| Loan and lease loss provision to assets | 3.8238% | 174 |
| Net operating income to assets | -4.4696% | 7,487 |
| Return on assets (ROA) | -4.3242% | 7,488 |
| Pretax return on assets | -4.3242% | 7,480 |
| Return on Equity (ROE) | -126.5510% | 7,622 |
| Retained earnings to average equity (ytd only) | -126.5510% | 7,622 |
| Net charge-offs to loans | 0.9703% | 2,236 |
| Credit loss provision to net charge-offs | 511.3396% | 445 |
| Earnings coverage of net charge-offs (x) | -0.8636% | 6,570 |
| Efficiency ratio | 118.0117% | 429 |
| Assets per employee ($millions) | 5.1464% | 1,948 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 12.9528% | 11 |
| Loan loss allowance to noncurrent loans | 50.1766% | 4,987 |
| Noncurrent assets plus other real estate owned to assets | 23.8533% | 39 |
| Noncurrent loans to loans | 25.8145% | 34 |
| Net loans and leases to total assets | 72.1802% | 2,063 |
| Net loans and leases to deposits | 74.9794% | 4,029 |
| Net loans and leases to core deposits | 127.1476% | 369 |
| Total domestic deposits to total assets | 96.2666% | 33 |
| Equity capital to assets | 1.2746% | 7,630 |
| Core capital (leverage) ratio | 0.6535% | 7,640 |
| Tier 1 risk-based capital ratio | 0.8747% | 7,641 |
| Total risk-based capital ratio | 1.7495% | 7,641 |
| Memoranda: | ||
| Average total assets | $214,627,600 | 2,930 |
| Average earning assets | $195,369,200 | 2,934 |
| Average equity | $7,333,800 | 5,922 |
| Average total loans | $165,416,000 | 2,537 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6511% | 1,879 |
| Cost of funding earning assets | 2.1154% | 515 |
| Net interest margin | 3.5357% | 5,165 |
| Noninterest income to average assets | 0.4713% | 4,404 |
| Noninterest expense to average assets | 4.0413% | 998 |
| Loan and lease loss provision to assets | 3.6275% | 192 |
| Net operating income to assets | -3.9833% | 7,572 |
| Return on assets (ROA) | -3.8534% | 7,572 |
| Pretax return on assets | -3.8534% | 7,551 |
| Return on Equity (ROE) | -99.3375% | 7,693 |
| Retained earnings to average equity (ytd only) | -99.3375% | 7,693 |
| Net charge-offs to loans | 0.9516% | 2,092 |
| Credit loss provision to net charge-offs | 502.8476% | 577 |
| Earnings coverage of net charge-offs (x) | -0.4933% | 6,318 |
| Efficiency ratio | 109.6557% | 532 |
| Assets per employee ($millions) | 5.2665% | 1,852 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 11.5329% | 15 |
| Loan loss allowance to noncurrent loans | 49.2998% | 5,005 |
| Noncurrent assets plus other real estate owned to assets | 20.2756% | 59 |
| Noncurrent loans to loans | 23.3933% | 42 |
| Net loans and leases to total assets | 69.6857% | 2,813 |
| Net loans and leases to deposits | 72.2278% | 4,807 |
| Net loans and leases to core deposits | 129.8947% | 376 |
| Total domestic deposits to total assets | 96.4804% | 21 |
| Equity capital to assets | 2.6047% | 7,707 |
| Core capital (leverage) ratio | 2.1977% | 7,711 |
| Tier 1 risk-based capital ratio | 2.9230% | 7,712 |
| Total risk-based capital ratio | 4.3025% | 7,707 |
| Memoranda: | ||
| Average total assets | $220,680,000 | 2,908 |
| Average earning assets | $200,615,000 | 2,911 |
| Average equity | $8,560,500 | 5,611 |
| Average total loans | $167,296,000 | 2,551 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9647% | 1,030 |
| Cost of funding earning assets | 2.0857% | 696 |
| Net interest margin | 3.8789% | 3,541 |
| Noninterest income to average assets | 0.4544% | 4,476 |
| Noninterest expense to average assets | 4.5718% | 534 |
| Loan and lease loss provision to assets | 2.6318% | 417 |
| Net operating income to assets | -3.3183% | 7,551 |
| Return on assets (ROA) | -3.2572% | 7,547 |
| Pretax return on assets | -3.1527% | 7,495 |
| Return on Equity (ROE) | -76.3602% | 7,694 |
| Retained earnings to average equity (ytd only) | -76.3602% | 7,692 |
| Net charge-offs to loans | 0.6504% | 2,594 |
| Credit loss provision to net charge-offs | 540.1818% | 689 |
| Earnings coverage of net charge-offs (x) | -1.1945% | 6,146 |
| Efficiency ratio | 114.5870% | 486 |
| Assets per employee ($millions) | 5.0499% | 2,124 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 9.7510% | 23 |
| Loan loss allowance to noncurrent loans | 64.1930% | 4,125 |
| Noncurrent assets plus other real estate owned to assets | 14.1087% | 176 |
| Noncurrent loans to loans | 15.1901% | 165 |
| Net loans and leases to total assets | 71.0028% | 2,656 |
| Net loans and leases to deposits | 73.8883% | 4,694 |
| Net loans and leases to core deposits | 131.5622% | 399 |
| Total domestic deposits to total assets | 96.0947% | 25 |
| Equity capital to assets | 3.4376% | 7,728 |
| Core capital (leverage) ratio | 3.0800% | 7,737 |
| Tier 1 risk-based capital ratio | 4.2715% | 7,736 |
| Total risk-based capital ratio | 5.6394% | 7,734 |
| Memoranda: | ||
| Average total assets | $225,775,000 | 2,864 |
| Average earning assets | $205,778,000 | 2,861 |
| Average equity | $9,630,670 | 5,305 |
| Average total loans | $169,131,330 | 2,563 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1387% | 722 |
| Cost of funding earning assets | 1.9828% | 1,150 |
| Net interest margin | 4.1559% | 2,205 |
| Noninterest income to average assets | 0.5056% | 4,007 |
| Noninterest expense to average assets | 2.9233% | 3,973 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 1.0425% | 2,026 |
| Return on assets (ROA) | 1.0713% | 2,000 |
| Pretax return on assets | 1.4152% | 1,729 |
| Return on Equity (ROE) | 23.0730% | 228 |
| Retained earnings to average equity (ytd only) | 23.0730% | 135 |
| Net charge-offs to loans | 0.9350% | 1,721 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | 2.0126% | 3,533 |
| Efficiency ratio | 67.9728% | 4,730 |
| Assets per employee ($millions) | 5.8794% | 1,353 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 7.9876% | 39 |
| Loan loss allowance to noncurrent loans | 93.1579% | 2,957 |
| Noncurrent assets plus other real estate owned to assets | 8.5404% | 553 |
| Noncurrent loans to loans | 8.5743% | 599 |
| Net loans and leases to total assets | 64.2835% | 4,267 |
| Net loans and leases to deposits | 69.2506% | 5,438 |
| Net loans and leases to core deposits | 133.7263% | 410 |
| Total domestic deposits to total assets | 92.8273% | 136 |
| Equity capital to assets | 4.7794% | 7,739 |
| Core capital (leverage) ratio | 4.8939% | 7,712 |
| Tier 1 risk-based capital ratio | 6.1419% | 7,743 |
| Total risk-based capital ratio | 7.4399% | 7,742 |
| Memoranda: | ||
| Average total assets | $232,614,500 | 2,844 |
| Average earning assets | $212,422,500 | 2,848 |
| Average equity | $10,800,500 | 5,028 |
| Average total loans | $170,264,500 | 2,601 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6489% | 515 |
| Cost of funding earning assets | 2.7315% | 542 |
| Net interest margin | 3.9174% | 3,202 |
| Noninterest income to average assets | 0.8651% | 2,109 |
| Noninterest expense to average assets | 2.5579% | 5,927 |
| Loan and lease loss provision to assets | 8.7513% | 28 |
| Net operating income to assets | -6.5953% | 7,868 |
| Return on assets (ROA) | -6.5953% | 7,863 |
| Pretax return on assets | -6.8247% | 7,855 |
| Return on Equity (ROE) | -74.1308% | 7,833 |
| Retained earnings to average equity (ytd only) | -74.1308% | 7,829 |
| Net charge-offs to loans | 6.0241% | 170 |
| Credit loss provision to net charge-offs | 185.8893% | 2,186 |
| Earnings coverage of net charge-offs (x) | 0.4092% | 5,704 |
| Efficiency ratio | 57.0393% | 6,886 |
| Assets per employee ($millions) | 5.6044% | 1,554 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 8.0468% | 43 |
| Loan loss allowance to noncurrent loans | 106.5795% | 2,651 |
| Noncurrent assets plus other real estate owned to assets | 8.2226% | 530 |
| Noncurrent loans to loans | 7.5500% | 694 |
| Net loans and leases to total assets | 70.6006% | 3,106 |
| Net loans and leases to deposits | 76.3445% | 4,677 |
| Net loans and leases to core deposits | 100.2388% | 3,969 |
| Total domestic deposits to total assets | 92.4764% | 185 |
| Equity capital to assets | 4.4965% | 7,822 |
| Core capital (leverage) ratio | 4.1903% | 7,834 |
| Tier 1 risk-based capital ratio | 5.5688% | 7,838 |
| Total risk-based capital ratio | 6.9017% | 7,839 |
| Memoranda: | ||
| Average total assets | $230,618,200 | 2,818 |
| Average earning assets | $213,073,000 | 2,793 |
| Average equity | $20,517,800 | 3,137 |
| Average total loans | $180,227,200 | 2,510 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5672% | 652 |
| Cost of funding earning assets | 2.8612% | 515 |
| Net interest margin | 3.7060% | 4,044 |
| Noninterest income to average assets | 0.4438% | 4,945 |
| Noninterest expense to average assets | 2.4004% | 6,417 |
| Loan and lease loss provision to assets | 2.7277% | 578 |
| Net operating income to assets | -0.6005% | 6,526 |
| Return on assets (ROA) | -0.6005% | 6,523 |
| Pretax return on assets | -1.2464% | 6,836 |
| Return on Equity (ROE) | -6.0302% | 6,557 |
| Retained earnings to average equity (ytd only) | -6.0302% | 6,391 |
| Net charge-offs to loans | 2.0103% | 976 |
| Credit loss provision to net charge-offs | 172.8894% | 2,683 |
| Earnings coverage of net charge-offs (x) | 0.9389% | 5,120 |
| Efficiency ratio | 61.8400% | 6,143 |
| Assets per employee ($millions) | 5.7783% | 1,371 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5990% | 381 |
| Loan loss allowance to noncurrent loans | 33.9187% | 6,172 |
| Noncurrent assets plus other real estate owned to assets | 10.2674% | 322 |
| Noncurrent loans to loans | 10.6105% | 353 |
| Net loans and leases to total assets | 75.6535% | 2,066 |
| Net loans and leases to deposits | 92.1824% | 2,204 |
| Net loans and leases to core deposits | 118.2264% | 2,394 |
| Total domestic deposits to total assets | 82.0694% | 4,652 |
| Equity capital to assets | 10.5023% | 3,512 |
| Core capital (leverage) ratio | 10.2079% | 3,058 |
| Tier 1 risk-based capital ratio | 12.9769% | 4,204 |
| Total risk-based capital ratio | 14.2552% | 4,122 |
| Memoranda: | ||
| Average total assets | $232,229,000 | 2,816 |
| Average earning assets | $215,429,750 | 2,779 |
| Average equity | $23,127,250 | 2,839 |
| Average total loans | $182,254,250 | 2,506 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5141% | 797 |
| Cost of funding earning assets | 2.9673% | 514 |
| Net interest margin | 3.5468% | 4,588 |
| Noninterest income to average assets | 0.4480% | 4,866 |
| Noninterest expense to average assets | 2.1926% | 7,075 |
| Loan and lease loss provision to assets | 1.5710% | 1,082 |
| Net operating income to assets | 0.1556% | 5,402 |
| Return on assets (ROA) | 0.1556% | 5,496 |
| Pretax return on assets | -0.0155% | 5,885 |
| Return on Equity (ROE) | 1.5916% | 5,433 |
| Retained earnings to average equity (ytd only) | 1.5916% | 4,442 |
| Net charge-offs to loans | 1.8374% | 1,031 |
| Credit loss provision to net charge-offs | 108.9445% | 4,246 |
| Earnings coverage of net charge-offs (x) | 1.0787% | 4,710 |
| Efficiency ratio | 58.4997% | 6,770 |
| Assets per employee ($millions) | 6.0473% | 1,186 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5533% | 856 |
| Loan loss allowance to noncurrent loans | 27.7333% | 6,650 |
| Noncurrent assets plus other real estate owned to assets | 8.6955% | 402 |
| Noncurrent loans to loans | 9.2067% | 419 |
| Net loans and leases to total assets | 75.6511% | 2,269 |
| Net loans and leases to deposits | 91.9458% | 2,476 |
| Net loans and leases to core deposits | 115.5420% | 2,755 |
| Total domestic deposits to total assets | 82.2778% | 4,577 |
| Equity capital to assets | 10.4161% | 3,501 |
| Core capital (leverage) ratio | 10.7305% | 2,631 |
| Tier 1 risk-based capital ratio | 12.3773% | 4,620 |
| Total risk-based capital ratio | 13.4477% | 4,666 |
| Memoranda: | ||
| Average total assets | $232,595,330 | 2,832 |
| Average earning assets | $216,423,330 | 2,794 |
| Average equity | $22,745,000 | 2,883 |
| Average total loans | $182,543,670 | 2,540 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5896% | 720 |
| Cost of funding earning assets | 3.0541% | 524 |
| Net interest margin | 3.5355% | 4,587 |
| Noninterest income to average assets | 0.4416% | 4,861 |
| Noninterest expense to average assets | 2.1942% | 6,886 |
| Loan and lease loss provision to assets | 1.5084% | 830 |
| Net operating income to assets | 0.1974% | 5,667 |
| Return on assets (ROA) | 0.1974% | 5,839 |
| Pretax return on assets | 0.0329% | 6,315 |
| Return on Equity (ROE) | 2.0884% | 5,743 |
| Retained earnings to average equity (ytd only) | 2.0884% | 4,706 |
| Net charge-offs to loans | 5.2231% | 198 |
| Credit loss provision to net charge-offs | 36.5966% | 4,862 |
| Earnings coverage of net charge-offs (x) | 0.3739% | 4,679 |
| Efficiency ratio | 58.7390% | 6,582 |
| Assets per employee ($millions) | 6.0476% | 1,169 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6449% | 2,326 |
| Loan loss allowance to noncurrent loans | 37.9293% | 6,015 |
| Noncurrent assets plus other real estate owned to assets | 4.8818% | 944 |
| Noncurrent loans to loans | 4.3368% | 1,347 |
| Net loans and leases to total assets | 76.4350% | 2,176 |
| Net loans and leases to deposits | 92.9225% | 2,449 |
| Net loans and leases to core deposits | 117.8603% | 2,611 |
| Total domestic deposits to total assets | 82.2567% | 4,450 |
| Equity capital to assets | 10.4342% | 3,527 |
| Core capital (leverage) ratio | 10.7990% | 2,654 |
| Tier 1 risk-based capital ratio | 12.3754% | 4,638 |
| Total risk-based capital ratio | 13.6301% | 4,559 |
| Memoranda: | ||
| Average total assets | $230,970,000 | 2,864 |
| Average earning assets | $215,188,500 | 2,822 |
| Average equity | $21,834,500 | 2,998 |
| Average total loans | $182,268,000 | 2,564 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.3074% | 589 |
| Cost of funding earning assets | 3.7343% | 241 |
| Net interest margin | 3.5731% | 4,999 |
| Noninterest income to average assets | 0.4360% | 5,162 |
| Noninterest expense to average assets | 2.4034% | 6,378 |
| Loan and lease loss provision to assets | 1.3046% | 1,088 |
| Net operating income to assets | 0.1689% | 5,941 |
| Return on assets (ROA) | 0.1689% | 5,773 |
| Pretax return on assets | 0.0710% | 6,006 |
| Return on Equity (ROE) | 2.0047% | 5,621 |
| Retained earnings to average equity (ytd only) | 2.0047% | 3,987 |
| Net charge-offs to loans | 0.3290% | 3,202 |
| Credit loss provision to net charge-offs | 491.0256% | 889 |
| Earnings coverage of net charge-offs (x) | 5.1777% | 3,734 |
| Efficiency ratio | 63.5977% | 5,645 |
| Assets per employee ($millions) | 6.1103% | 1,079 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4966% | 685 |
| Loan loss allowance to noncurrent loans | 45.8925% | 5,719 |
| Noncurrent assets plus other real estate owned to assets | 5.2640% | 635 |
| Noncurrent loans to loans | 5.4402% | 761 |
| Net loans and leases to total assets | 78.1654% | 2,097 |
| Net loans and leases to deposits | 93.1242% | 2,939 |
| Net loans and leases to core deposits | 225.6791% | 97 |
| Total domestic deposits to total assets | 83.9368% | 3,357 |
| Equity capital to assets | 8.4301% | 6,206 |
| Core capital (leverage) ratio | 8.4668% | 5,629 |
| Tier 1 risk-based capital ratio | 9.8002% | 6,960 |
| Total risk-based capital ratio | 11.0635% | 6,830 |
| Memoranda: | ||
| Average total assets | $205,502,400 | 3,062 |
| Average earning assets | $192,270,200 | 3,005 |
| Average equity | $17,309,200 | 3,683 |
| Average total loans | $165,960,800 | 2,689 |